Feel the comfort and freedom of movement every moment and wherever you are.

Vista Business Debit Card is a contactless debit card in lei, a simple and convenient tool for your daily payments. Thus, you can shop online and offline, in Romania and abroad, with ZERO payment commission.

More comfort:

• Use Vista Business Debit Card anywhere in the world where the Visa logo is displayed;
• Enjoy contactless technology, allowing faster and more convenient payments, especially those of small values;
• You don’t need to worry anymore about currency conversion in case of payments made abroad.
• NEW: Thanks to the Vista Bank – Euronet Worldwide, Inc. partnership, you can use your Vista Bank card at any Euronet ATM in Romania, under the same cost and high-security conditions as at the bank’s own ATMs. To find the closest Euronet ATM, please access the following link: https://www.euronetatms.ro/euronet-bancomat-harta-locatiilor/

A better control of your spending:

• You debit the current account by the exact amount you need when making the transaction;
• Full control over the card account with Vista Internet Banking and Vista Mobile Banking services;
• Access free of charge to the SMS Alert service, through which we promptly inform you of each card payment, so that you always have control over the transactions performed.

Vista Bank (Romania) S.A. participates in the Romanian Bank Deposit Guarantee Fund (FGDB), in accordance with the legal provisions in force. Thus, as a Vista Bank depositor, your accounts and deposits opened at the Bank are guaranteed, through the payment of compensations, within the limit of EUR 100,000, equivalent in LEI.

You can obtain additional details regarding the Guarantee Scheme by accessing this link, from any unit of the bank, on the website www.fgdb.ro.

IMPORTANT NOTICE

Domestic ATM operators can apply cash withdrawal fees at their own ATMs, in addition to the card issuing bank's commission. Due to the partnership between Vista Bank and Euronet Worldwide, Inc., in the Euronet ATM network from Romania, no additional cash withdrawal fees will apply to cards issued by Vista Bank. Thus, you can use your Vista Bank card at any of the over 500 ATMs in Romania marked with Euronet logo under the same cost conditions as before. We remind you that in the case of debit cards you benefit from ZERO withdrawal commission in the Euronet ATM network. To find the nearest Euronet ATM, please access this link: https://www.vistabank.ro/en/useful-info/atm-network

If you are interested in the Vista Business Debit Card, please fill in the form below and we will contact you as soon as possible:

More safety with your Vista Bank card

Vista Bank cards incorporate chip technology which ensures the stored information is protected by encryption. Vista Bank cards are also monitored by a fraud detection system*. The controlling and monitoring system for card transactions (both purchases and cash withdrawals) is designed to detect suspicious transactions and limit fraud cases and unauthorized use.

* This system does not replace your responsibility for keeping your card, PIN and confidential information used for online payments through the 3D Secure service secure. For your protection, please inform the Bank immediately in case of loss / theft or detection of suspicious transactions on your account.

In case you lose your card, we recommend you to block it immediately, using:

• the Call Center service at +40.21.222.33.10, available from Monday to Sunday, 24/7;
• the emergency assistance through VISA's Global Customer Assistance Services (GCAS). More details here.

For online card payments, Vista Bank provides you free of charge with the 3D Secure Service that enables you to make e-commerce transactions under strict security terms. Please read carefully the detailed information and the Rules for Using the 3D Secure Service available here.

For any further details, please contact the nearest Vista Bank branch.

To better protect your computer, mobile phone or tablet, card and bank details, please see the security recommendations on our website here.

You are safe each time you make online purchases or invoice payments with your Visa card from Vista Bank.

Find out more

Vista Bank (Romania) S.A. provides you with the free 3D Secure service that enables you to conduct e-commerce transactions under strict security. Please read the Verified by Visa (3D Secure document) carefully.

Using 3D Secure service:

• Go to the site where you want to buy goods or services and place the products in the cart;
• On the payment page you enter your security card (card number, CVV2 code, expiration date);
• If the site is using 3D Secure you will be redirected to the 3D screen where you enter the Secure password;
• The password will be automatically sent to your mobile number registered with the Bank. If you have not updated your phone number communicated to the Bank, please visit any Vista Bank branch for updating your data. The transaction cannot be performed without a valid mobile phone number registered with the Bank.
• Check the purchase amount and the merchant’s name and enter the password received by SMS in the "Password" field. Use large or small letters as they appear in the SMS
• If you have not received the SMS, you can click on the link "Did not receive the SMS with the password?" and you will receive a new password. This case, the old password can no longer be used.

The transaction completion is confirmed by the site.

NEW – Visa^® Account Updater Service

In partnership with VISA, Vista Bank has recently introduced the Visa^® Account Updater (VAU) service, a free benefit available to all holders of Visa cards issued by the bank.

The new service ensures continuity of card payment services with those merchants with whom you have previously registered your card data, in order to perform:

• recurring payments (for example, payment of monthly / annual subscriptions by automatic debit initiated by the merchant) or
• regular payments (for example, payment to online merchants where you shop frequently: retailers, travel booking sites, event tickets, transportation, etc.).

Thus, whenever your card details (expiration date, card number) change by re-issue upon expiration or replacement of a stolen / lost card, you won’t have to worry about re-entering them on all the merchants websites where you have previously registered your card. These updates can now be performed automatically and securely through the VAU service offered by Visa.

This way, you save valuable time and avoid possible inconveniences caused by declined payments and delivery delay / non-delivery of ordered services due to outdated card information.

Important:

• The VAU service is a free benefit available to all Vista Bank cardholders, but it is activated only upon your request and with your consent;
• You can request at any time, free of charge, the activation or deactivation of the service by simply filling in a form in any Vista Bank unit;
• Your updated card information can only be sent to those merchants who have joined VAU (participating VAU merchants). If you are not sure if a merchant is a VAU participant, we recommend that you update your new card information directly with that merchant.
• Participating VAU merchants can be from Romania or from anywhere in the world.
• If the card is closed (either by your or by the bank’s decision), the VAU service forwards this information to the merchants to whom you have previously registered the card, together with the recommendation to contact you to determine how your commercial collaboration with them will continue.

We invite you to activate the new VAU service to benefit from the new facilities offered.

Unique Card for Unique Customers

With the Vista Business Credit Card in lei, issued under the VISA logo, you have anywhere and anytime at your diposal an extra reserve of money with which you can make purchases online and offline, in Romania and abroad, using the credit limit granted by the Bank.

You can book in advance plane tickets, hotel rooms, tourist packages or rent a car. It is flexible, easy to use, available to authorized users to make payments instantly, anywhere in the world.

Benefits of Vista Business Credit Card

Vista Bank Romania offers the card you need. Benefits of Vista Business credit Card:

• You can use Vista Business Credit Card anywhere in the world where the Visa logo is displayed;
• Enjoy contactless technology, allowing faster and more convenient payments, especially those of small values;
• You don’t need to worry anymore about currency conversion in case of payments made abroad.
• You debit the current account by the exact amount you need when making the transaction;
• Full control over the card account with Vista Internet Banking and Vista Mobile Banking services;
• Access free of charge to the SMS Alert service, through which we promptly inform you of each card payment, so that you always have control over the transactions performed.
• 0% commission for any card payment at merchants anywhere in the world.
• 0% interest rate for any payment at merchants as well as at ATM anywhere in the world if you reimburse the entire amount used up to the due date. Thus, Vista Business Credit Card can be used to cover short-term financing needs. It can be used as a interest-free financing source if used efficiently, as Vista Business Credit Card allows for a grace period of up to 50 days. By using it to make purchases in the allocated time, you can benefit from nearly two months of interest-free financing.
• Vista Business Credit Card can also be used to finance medium-term needs by providing a minimum payment of 5% from one month to the next. In this case, the card allows lending within the limit of the credit line granted and the reimbursement of only the minimum monthly payment.
• You can change the PIN directly to Vista Banks ATMs.
• Additional cards may be issued if you want to give company members access to the credit line.
• Interest rate: variable, ROBOR 3 Months + Fixed Margin 12.80%.
• NEW: Thanks to the Vista Bank – Euronet Worldwide, Inc. partnership, you can use your Vista Bank card at any Euronet ATM in Romania, under the same cost and high-security conditions as at the bank’s own ATMs. To find the closest Euronet ATM, please access the following link: https://www.euronetatms.ro/euronet-bancomat-harta-locatiilor/

IMPORTANT NOTICE

Domestic ATM operators can apply cash withdrawal fees at their own ATMs, in addition to the card issuing bank's commission. Due to the partnership between Vista Bank and Euronet Worldwide, Inc., in the Euronet ATM network from Romania, no additional cash withdrawal fees will apply to cards issued by Vista Bank. Thus, you can use your Vista Bank card at any of the over 500 ATMs in Romania marked with Euronet logo under the same cost conditions as before. We remind you that in the case of debit cards you benefit from ZERO withdrawal commission in the Euronet ATM network. To find the nearest Euronet ATM, please access this link: https://www.vistabank.ro/en/useful-info/atm-network

If you are interested in the Vista Business Credit Card, please fill in the form below and we will contact you as soon as possible:

More safety with your Vista Bank card

Vista Bank cards incorporate chip technology which ensures the stored information is protected by encryption. Vista Bank cards are also monitored by a fraud detection system*. The controlling and monitoring system for card transactions (both purchases and cash withdrawals) is designed to detect suspicious transactions and limit fraud cases and unauthorized use.

* This system does not replace your responsibility for keeping your card, PIN and confidential information used for online payments through the 3D Secure service secure. For your protection, please inform the Bank immediately in case of loss / theft or detection of suspicious transactions on your account.

In case you lose your card, we recommend you to block it immediately, using:

• the Call Center service at +40.21.222.33.10, available from Monday to Sunday, 24/7;
• the emergency assistance through VISA's Global Customer Assistance Services (GCAS). More details here.

For online card payments, Vista Bank provides you free of charge with the 3D Secure Service that enables you to make e-commerce transactions under strict security terms. Please read carefully the detailed information and the Rules for Using the 3D Secure Service available here.

For any further details, please contact the nearest Vista Bank branch.

To better protect your computer, mobile phone or tablet, card and bank details, please see the security recommendations on our website here.

You are safe each time you make online purchases or invoice payments with your Visa card from Vista Bank.

Find out more

Vista Bank (Romania) S.A. provides you with the free 3D Secure service that enables you to conduct e-commerce transactions under strict security. Please read the Verified by Visa (3D Secure document)carefully.

Using 3D Secure service:

• Go to the site where you want to buy goods or services and place the products in the cart;
• On the payment page you enter your security card (card number, CVV2 code, expiration date);
• If the site is using 3D Secure you will be redirected to the 3D screen where you enter the Secure password;
• The password will be automatically sent to your mobile number registered with the Bank. If you have not updated your phone number communicated to the Bank, please visit any Vista Bank branch for updating your data. The transaction cannot be performed without a valid mobile phone number registered with the Bank.
• Check the purchase amount and the merchant’s name and enter the password received by SMS in the "Password" field. Use large or small letters as they appear in the SMS.
• If you have not received the SMS, you can click on the link "Did not receive the SMS with the password?" and you will receive a new password. This case, the old password can no longer be used.

The transaction completion is confirmed by the site.

NEW – Visa^® Account Updater Service

In partnership with VISA, Vista Bank has recently introduced the Visa^® Account Updater (VAU) service, a free benefit available to all holders of Visa cards issued by the bank.

The new service ensures continuity of card payment services with those merchants with whom you have previously registered your card data, in order to perform:

• recurring payments (for example, payment of monthly / annual subscriptions by automatic debit initiated by the merchant) or
• regular payments (for example, payment to online merchants where you shop frequently: retailers, travel booking sites, event tickets, transportation, etc.).

Thus, whenever your card details (expiration date, card number) change by re-issue upon expiration or replacement of a stolen / lost card, you won’t have to worry about re-entering them on all the merchants websites where you have previously registered your card. These updates can now be performed automatically and securely through the VAU service offered by Visa.

This way, you save valuable time and avoid possible inconveniences caused by declined payments and delivery delay / non-delivery of ordered services due to outdated card information.

Important:

• The VAU service is a free benefit available to all Vista Bank cardholders, but it is activated only upon your request and with your consent;
• You can request at any time, free of charge, the activation or deactivation of the service by simply filling in a form in any Vista Bank unit;
• Your updated card information can only be sent to those merchants who have joined VAU (participating VAU merchants). If you are not sure if a merchant is a VAU participant, we recommend that you update your new card information directly with that merchant.
• Participating VAU merchants can be from Romania or from anywhere in the world.
• If the card is closed (either by your or by the bank’s decision), the VAU service forwards this information to the merchants to whom you have previously registered the card, together with the recommendation to contact you to determine how your commercial collaboration with them will continue.

We invite you to activate the new VAU service to benefit from the new facilities offered.

Embark on an exclusive journey with Vista Platinum, your indispensable accessory in a world of refinement and absolute comfort. Whether you opt for a Vista Platinum credit or debit card, you enjoy special national and international privileges and offers with added value to your lifestyle.

Financial benefits and maximum security

A universe of privileges

Your travel partner to any destination

Vista Bank (Romania) S.A. participates in the Guarantee Scheme of the Bank Deposit Guarantee Funde, in accordance with the legal provisions in force. You can obtain additional details regarding the Guarantee Scheme from any unit of the bank, from the Information Form and from the website www.fgdb.ro

If you are interested in Vista Platinum Credit Card or Vista Platinum Debit Card, please fill in the form below and we will contact you as soon as possible:

More safety with your Vista Bank card

Vista Bank cards incorporate chip technology which ensures the stored information is protected by encryption. Vista Bank cards are also monitored by a fraud detection system*. The controlling and monitoring system for card transactions (both purchases and cash withdrawals) is designed to detect suspicious transactions and limit fraud cases and unauthorized use.

* This system does not replace your responsibility for keeping your card, PIN and confidential information used for online payments through the 3D Secure service secure. For your protection, please inform the Bank immediately in case of loss / theft or detection of suspicious transactions on your account.

In case you lose your card, we recommend you to block it immediately, using:

• the Call Center service at +40.21.222.33.10, available from Monday to Sunday, 24/7;
• the emergency assistance through VISA's Global Customer Assistance Services (GCAS). More details here.

For online card payments, Vista Bank provides you free of charge with the 3D Secure Service that enables you to make e-commerce transactions under strict security terms. Please read carefully the detailed information and the Rules for Using the 3D Secure Service available here.

For any further details, please contact the nearest Vista Bank branch.

To better protect your computer, mobile phone or tablet, card and bank details, please see the security recommendations on our website here.

You are safe each time you make online purchases or invoice payments with your Visa card from Vista Bank.

Find out more

Vista Bank (Romania) S.A. provides you with the free 3D Secure service that enables you to conduct e-commerce transactions under strict security. Please read the Verified by Visa (3D Secure document)carefully.

Using 3D Secure service:

• Go to the site where you want to buy goods or services and place the products in the cart;
• On the payment page you enter your security card (card number, CVV2 code, expiration date);
• If the site is using 3D Secure you will be redirected to the 3D screen where you enter the Secure password;
• The password will be automatically sent to your mobile number registered with the Bank. If you have not updated your phone number communicated to the Bank, please visit any Vista Bank branch for updating your data. The transaction cannot be performed without a valid mobile phone number registered with the Bank.
• Check the purchase amount and the merchant’s name and enter the password received by SMS in the "Password" field. Use large or small letters as they appear in the SMS.
• If you have not received the SMS, you can click on the link "Did not receive the SMS with the password?" and you will receive a new password. This case, the old password can no longer be used.

The transaction completion is confirmed by the site.

NEW – Visa^® Account Updater Service

In partnership with VISA, Vista Bank has recently introduced the Visa^® Account Updater (VAU) service, a free benefit available to all holders of Visa cards issued by the bank.

The new service ensures continuity of card payment services with those merchants with whom you have previously registered your card data, in order to perform:

• recurring payments (for example, payment of monthly / annual subscriptions by automatic debit initiated by the merchant) or
• regular payments (for example, payment to online merchants where you shop frequently: retailers, travel booking sites, event tickets, transportation, etc.).

Thus, whenever your card details (expiration date, card number) change by re-issue upon expiration or replacement of a stolen / lost card, you won’t have to worry about re-entering them on all the merchants websites where you have previously registered your card. These updates can now be performed automatically and securely through the VAU service offered by Visa.

This way, you save valuable time and avoid possible inconveniences caused by declined payments and delivery delay / non-delivery of ordered services due to outdated card information.

Important:

• The VAU service is a free benefit available to all Vista Bank cardholders, but it is activated only upon your request and with your consent;
• You can request at any time, free of charge, the activation or deactivation of the service by simply filling in a form in any Vista Bank unit;
• Your updated card information can only be sent to those merchants who have joined VAU (participating VAU merchants). If you are not sure if a merchant is a VAU participant, we recommend that you update your new card information directly with that merchant.
• Participating VAU merchants can be from Romania or from anywhere in the world.
• If the card is closed (either by your or by the bank’s decision), the VAU service forwards this information to the merchants to whom you have previously registered the card, together with the recommendation to contact you to determine how your commercial collaboration with them will continue.

We invite you to activate the new VAU service to benefit from the new facilities offered.

IMPORTANT: From January 1, 2021, the 3D-Secure authorization solution via SMS code for online payments with Vista Bank cards will be changed. In order to continue to make payments to merchants, under strict security, you may opt between: (1) install and activate the new Vista 3D Secure mobile application, completely free of charge and available on AppStore and GooglePlay – our recommendation OR (2) the solution with static password and unique code via SMS – which will be available in January.

Vista Bank provides you, free of charge, with the Vista 3D Secure authentication solution, a mobile application that allows you to conduct e-commerce transactions in strict security and with a simplified authentication process, with the help of biometric identification (digital fingerprint / facial recognition) or of other means that secure your mobile phone.

Since Vista Bank had already a 3D-Secure solution with dynamic correlation via SMS previously implemented, authentication through the Vista 3D Secure application will seem largely familiar to you. In short, the Vista 3D Secure mobile app will replace previous 3D Secure SMS authentication for customers who install their Vista 3D Secure app on an Android or iOS smartphone / tablet.

Please read carefully the Usage Terms and Conditions for 3D-Secure Service

Next, we will describe the steps for installing, registering, and using Vista 3D Secure.

A. Registration into the Vista 3D Secure mobile application

1. Download free of charge the Vista 3D Secure mobile app from the App Store (iOS) or Google Play Store (Android) on a smartphone or tablet.
2. Enter in the mobile application the valid mobile phone number registered with the Bank and the last 6 digits of the Vista Bank card number you want to enroll in the application. Important: Before registering, make sure that you have updated your personal data with Vista Bank, including the mobile phone number registered with the Bank.
3. Allow notifications from the app: during an e-commerce transaction, you will receive a “Push” notification via Vista 3D Secure to inform you of the need to confirm the payment.
4. You will receive on your mobile phone a unique, automatically generated SMS code. Enter this SMS code in the mobile application in the "SMS code" field.
5. Registration is complete! The above steps are performed only once, when registering into the application.

Note: If you have more than one card at Vista Bank, all of your other cards will be automatically enrolled in the application upon completion of registration according to the steps above.

The application allows you to authorize online payments made with the enrolled card (s), as well as view the History of recent transactions and their status (accepted, canceled, pending, expired).

From now on, your online card payments are easier and more secure! Vista Bank is making changes to online card payments to better protect you by increasing transaction security and to comply with the new legal framework in this field. Moreover, you benefit from a streamlined authentication process due to biometric identification methods (digital fingerprint / facial recognition).

For you, this means that when making online payments with the Vista Bank card in the European Economic Area (payments to online merchants) it is necessary to use the new Vista 3D Secure authentication solution, which complies with the Strong Customer Authentication (SCA) standard. More information about SCA and Vista 3D Secure compliance is available here.

To adopt the new solution, you have an adjustment period until the end of 2020, during which payments can also be made in the previous 3D Secure system. Given the advantages in terms of payment security, our recommendation is to adopt the new Vista 3D Secure solution as soon as possible and benefit immediately from the high level of security offered by the SCA standard.

What is the new legal framework that requires Strong Customer Authentication?

The changes in the field of online payments have a broader purpose and aim to protect consumers, reduce fraud and more strictly secure these transactions. The two regulations are:

• Law no. 209/2019 regarding the payment services and for the modification of some normative acts;
• Commission Delegated Regulation (EU) 2018/389 of 27 November 2017 supplementing Directive (EU) 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authentication and common and secure open standards of communication.

The new regulations require, among others, the use of Strong Customer Authentication (SCA) at online transactions.

What is Strong Customer Authentication (SCA)?

Strong Customer Authentication (SCA) in the case of online card payments (online payment at merchants / e-commerce payment) means that the identity of cardholders must be more strictly verified in the European Economic Area, using two of the three authentication methods presented below:

• Authentication methods based on knowledge (something only the customer knows): for example, password or PIN
• Authentication methods based on possession (something only the customer has): for example, a mobile device (smartphone, tablet) or other physical authentication device
• Authentication methods based on inherence (something the customer is): for example, digital fingerprint or facial recognition (biometric authentication).

Vista 3D Secure meets the new requirements, being a SCA compliant mobile application, certified by VISA International for the VISA Secure protocol and using:

• two authentication factors , the first based on possession (the application installed on a mobile device identified as being in the customer's possession at the enrollment stage, based on the phone number registered at the bank and the last 6 digits of the card, application that automatically generates a OTP unique code (one time passcode) for authorizing each transaction), and the second based on inherence (confirmation of the transaction by digital fingerprint / facial recognition) or knowledge (mobile phone security code).
• dynamic correlation protocol, a security measure by which you are informed on a second communications channel (in the Vista3D Secure application installed on your smartphone / tablet) about payment details (merchant name and payment amount) in the payment confirmation phase (to allow you to decide whether or not to authorize the respective online card payment)..

Note: The Bank does not process biometric data (digital fingerprint, facial recognition). This verification, part of the SCA, is performed strictly at the level of the user's mobile device (smartphone, tablet), the bank not having access to this data.

Out of scope SCA Transactions (exceptions to the application of the SCA):

• Transactions with virtual merchants outside the European Economic Area;
• Payments periodically initiated by merchants to the card account, based on a debit agreement previously expressed by the cardholder (eg. subscriptions).